Best CD rates and certificates

Requirements

Product: Minimum opening deposit of $500. Automatically renews at maturity; 10-day grace period after maturity for certificates with maturities greater than 90 days. Early withdrawal penalties apply. No additional deposits permitted.

Offer: Rate accurate as of August 3, 2026.

Requirements

Product: Early withdrawal penalty may apply. $1,000 minimum to open account and earn APY.

Offer: Relationship Certificates must be accompanied by an active checking account (completes 3 or more transactions per month). Deposit of $100,000 or more receives a $500 bonus; $50,000 - $99,999 receives $250 bonus (new money only).

Requirements

Product: Variable APY based on Effective Federal Funds Rate (EFFR) in effect on the last Thursday of each quarter. Minimum opening balance $750. APY effective as of 10/1/26.

Offer: Base rate.

Requirements

Product: Rates may change prior to account opening. A penalty will or may be imposed for early withdrawal. No minimum balance is required to earn the stated APY after account is opened. Other terms available.

Offer: No minimum balance is required to earn the stated APY after account is opened. Early withdrawal penalty may apply.

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: Dividend Rate and APY are fixed for the term. Fixed APY assumes dividends remain on deposit until maturity. Compounded daily, credited monthly. Additional deposits not permitted after opening. Automatically renewable with a 7-day grace period. Early withdrawal penalty applies.

Offer: 24-Month term. Early withdrawal penalty is 6 months' dividends.

Requirements

Product: No monthly maintenance fees or service charges. Minimum deposit of $1,000 required for traditional CDs. Available in passbook, paper statement or electronic format. Early withdrawal penalty may apply.

Offer: Relationship Certificates must be accompanied by an active checking account (completes 3 or more transactions per month).

Requirements

Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.

Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.

Requirements

Product: Early withdrawal penalty may apply. $1,000 minimum to open account and earn APY.